From our experience at O’Bryan Law Offices, most Kentucky lenders require at least 12 months after a repossession before they will consider approving a new auto loan. That waiting period
To get repo fees waived in Kentucky, we recommend the following steps: Request an itemized fee statement Contact a supervisor Explain your financial hardship Get any agreement in writing Negotiate
We recommend the following steps to stop the repossession of a car in Kentucky: Catch Up on Missed Payments Reinstate Your Auto Loan Negotiate New Payment Terms with Your Lender
It only takes one missed car payment for a lender to start the repossession process—but most won’t act immediately. Many lenders wait until you’re 60 to 90 days behind before
No one wants to miss an auto loan payment or mortgage payment. Unfortunately, emergencies happen, causing us to get behind on payments. When one missed payment snowballs into multiple missed
From our work at O’Bryan Law Offices, the most effective car repossession loopholes in Kentucky are: The repo agent breached the peace The car was taken from a locked or
In Kentucky, the statute of limitations for car repossession is generally four years from the date you default on your loan. This means a lender has up to four years
Table of Contents The IRS does have the authority to seize property, including a primary residence, but it rarely happens. By law, the agency must first prove that there are
Table of Contents Yes, a repo agent can sometimes move another vehicle to reach yours, but only if it does not cause damage or create a “breach of the peace.”
Whether your car is your prized possession or simply just a means of transportation, we know how important it is to you. However, as anyone who owns a car knows,
It goes without saying, but nobody wants to have their property repossessed. The last thing you want when you’re already struggling to make ends meet is to walk outside to
Chapter 7 is the most common type of bankruptcy in Kentucky and throughout the country that involves liquidating assets to pay creditors. However, not all property or belongings can be
Yes, you can keep your car if you file Chapter 13 bankruptcy in Kentucky. Chapter 13 bankruptcy is actually designed to help you protect valuable assets like vehicles while managing
Discharging a car loan in Chapter 7 bankruptcy wipes out your personal obligation to repay the debt—but it doesn’t remove the lender’s lien on the vehicle. This distinction is important:
A common concern of our clients is whether they will lose their possessions if they file for Bankruptcy. The answer to that question is quite simply, generally no. The Bankruptcy
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